Public adjusters are licensed and bonded and their services are usually paid for by the insurance company. They may be based either in the state or located in different state that does not have a large market. They are usually independent policyholders who works for various insurance companies.
The job of a public adjuster is to represent the insurance company’s interests by working with the insurance company’s insurance adjuster on the claims submitted by policyholders. The adjuster works for the insurance company and not for the policyholder. Policyholders pay the public adjuster and not the insurance company.
Once the insurance company sends out an adjuster, it is usually back to the policyholder to find a public adjuster. There are thousands of public adjusters working for the different insurance companies all over the country. A public adjuster will often find a mold remediation pro or work directly with policyholders by phone or even via email. He or she will typically meet with you in person and will present your insurance claim to the insurance company. This will happen several times throughout the claims process.
The public adjuster will present your claim to the insurance company, who usually does not pay attention to the details of the public adjuster’s work. You may tell them that you want a specific percentage of what you think you are entitled. You may tell them that you want a certain deductible. You will present your claim and present the details of your loss and leave the room, having been convinced that they are not listening to you. They will meet with the adjuster and work on your policy and the adjuster will present the loss to the insurance company. The adjuster is representing the insurance company. You may want to ask how long they have been paying public adjusters for this part of the claim? They have been working for them for months and you want to know how long they have been working for you. The adjuster will present the claim to the insurance company and if they like, they will negotiate with you. If they don’t like, they will close the claim.
The insurance company will not pay attention to how long you have been working with them. Their goal is to get the insurance company’s money, not yours. An insurance company’s goal is to cover their losses. An adjuster’s goal is to get the insurance company’s money. Their goal is not to work for you.
The amount they agree on is an amount that is acceptable to them. When they agree on this amount, they will close your claim. Your adjuster will take your deposit of the loss, then they will divide it up. They may give you 10%, they may give you 90%. They may tell you that you are entitled to 100% of the loss. They may give you 10% of the amount they say you are entitled to. Then they will put their hands together and say, “It’s all going to be okay.”
The public adjuster will leave the room, the insurance company will have their losses and their losses are yours. Your loss is theirs. You are not interested in the adjusters and the numbers. You are interested in the money. When you hear, “We are all going to be all right,” your first thought should be, “How am I going to get my money?”
You can avoid this if you know how to play the game.
If you want to play the game you are going to have to do some research. If you want to learn how to play the game, you will have to take the time to talk with some people who have been there. If you want to avoid playing the game you need to understand how the game is played.